A complete list of active advisors currently associated with Dowd Financial Planning

Warmer can help you find a great advisor at Dowd Financial Planning or one who fits your needs even better.

The firm provides fee-only, comprehensive financial planning to individuals and families through annual open retainers, project retainers, and shorter Financial Fitness Reviews. Services cover tax planning and preparation (when included), retirement and estate-plan reviews, insurance and cash-flow analysis, goal setting, and investment strategy recommendations. The firm operates in an advisory, non-discretionary capacity: it makes tailored recommendations based on a client’s tax situation, risk tolerance and goals but does not take custody of client assets or execute trades—clients are responsible for implementation unless they specifically request assistance. Investment guidance typically emphasizes no-load mutual funds, exchange-traded funds, U.S. government securities and bonds, and portfolio construction that considers tax effects and external market risks. What distinguishes the firm from many peers is its business model and credentials: it relies on flat annual retainers and project fees rather than percentage-of-AUM billing and does not provide portfolio management or discretionary trading services for client accounts. The owner’s tax credentials (Enrolled Agent) and the inclusion of tax preparation or review in some engagements, together with membership in fee-only planning organizations, underscore a planner-centric practice focused on integrated tax and financial planning rather than asset management.

To learn more about the advisors currently working at Dowd Financial Planning, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
David Dowd	Montclair, NJ	16

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For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.

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